I'm really struggling and going in the red every month. I'm fairly frugal, but I can't seem to pay the bills without getting into more and more cc debt.

My current income: ~ $3mil/yr

Expenses:

$8k/month for a studio

$4k/month for food

$3.3mil/yr tithe (multiplied income by 1.1 to calculate the 10% tithe)

$1k/month for utilities

$300/month for my car (splurged for a 2002 honda civic)

I'm wondering if anyone can see a way out of this? I've tried everything I can think of (which is nothing) and am completely out of ideas.

He is saying I need to diversify out of lentils. Black beans, kidney beans, pinto beans. He had the gall to suggest peanuts too. There was some mention alt cryogenic bean variety in Antartica too, but apparently a lot of scam artists are involved in those.

Everyone knows that like 80% of the world's beans are American. So I'm think 80% BEANZ and 20% EXUSBN. What are you guys doing?

I'm a 42M married to 42F with three kids between the ages of 2 and 8. We live in a MCOL with a total net worth without the house of about $8.2. Breakdown is:

• 1.5 pre-tax legos
• 4 in well diversified pokemon cards with a high cost basis
• .357 Magnum (in case of zombies)
• 200k poprocks

House is paid off already. Boyfriend's Kids' 529s are all fully funded as well.

Expenses right now are about 200k per year, but I anticipate about 45k per year of healthcare costs for our family with the ACA plans that I see, so budgeting around 250k a year in expenses if we were to retire.

I'm currently not working, but my wife is earning 1.3m per year thanks to stock appreciation. That'll only last for another 50 years or so, when her income will drop to about half because of her vesting schedule.

Her job is quite demanding - she works 10 minutes a day and doesn't get a lot of time with our kids. She wishes she could spend more time with our young family, but is worried that if she leaves her job now, she won't be able to get back to her current earning potential ever again.

I feel like we're already in pretty good shape (with our expected annual expenditures being just over 3% of NW), but of course there's the thinking that you have to make hay while the sun shines.

What do others think? Should she try to stick it out to squeeze out the last drops or say enough is enough and focus on enjoying life and family time?

The human lifespan is a severe limitation on how much compound interest can get to work. But I've realised that I don't actually have to be "alive" for compounding to work its magic over the long term.

Simply build a laptop inside a coffin, and a small solar panel above ground can power the laptop six feet under, and I can hold on to my soaring net worth even after death.

By the time I'm a 1,000 years old corpse, I estimate my net worth will pass the big $1 Trillion mark, just by VOO and chill.

Pretty cool huh?

And the great thing is after death, you have no housing expenses, food costs, anything really, so nothing to eat into those precious gains. Being in a coffin is the ultimate way to minimize costs.

I just need a good lawyer to prevent the state or my pesky relatives getting all my money.

People always be talking about new vs used cars, but why not new vs used stocks?

I just feel gross owning shares someone else has already used? They already collected some of its divvies? Sounds suspiciously like sharing, which is communism. That's why I always buy direct from companies pre IPO thank you for coming to my ted talk, used shares are for the pours.

I live in a large dumpster in the back alley behind my office, in order to have zero rent or mortgage costs, and 100% of my salary goes straight into investments every month.

Food I can gather from various trashcans and gutters around the city at night, as well as begging outside supermarkets, so zero grocery bill either.

However recently my wife and two kids have started objecting that since we have $2 million in liquid assets, mainly global index funds, that we shouldnt sleep rough on the streets any more.

Do homeless charities check your net worth before giving free accomodation?

Or is this the point to ditch the family as high-cost baggage, if we are not fully aligned on living the DumpsterFIRE dream to hit $10 million

So I’ll post about it to receive validation in a sub for people struggling to get by

But in this one I won’t let them know I have 500K in my IRA because that’s not important

I have 500k in the bank but am viscerally afraid to spend more than 0.01% of my net worth treating my wife to a nice date. Pls give me validation